Is eligibility affected by whether data sharing obligations have commenced in relation to a person’s account?

No. Eligibility is determined according to rule 1.10B and clauses 2.1 of Schedule 3 (for the banking sector) and 2.1 of schedule 4 (for the energy sector). Those provisions are not concerned with whether data sharing obligations have commenced in relation to a person’s account.

For example, in the banking sector, a person who has a closed account and an open joint account that can be accessed online will be eligible in relation to the data holder even if data sharing obligations have not commenced in relation to the joint account.